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Loan and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2024
Loans And Leases Receivable Disclosure [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] | September 30, December 31, (Dollars in thousands) 2024 2023 Commercial and industrial $ 61,510 $ 73,374 Construction and land development 77,956 68,329 Commercial real estate: Owner occupied 62,029 66,783 Hotel/motel 37,913 39,131 Multi-family 43,789 45,841 Other 154,042 135,552 Total commercial real estate 297,773 287,307 Residential real estate: Consumer mortgage 59,265 60,545 Investment property 59,317 56,912 Total residential real estate 118,582 117,457 Consumer installment 9,878 10,827 Total Loans $ 565,699 $ 557,294
Past Due Financing Receivables [Table Text Block] | Accruing Accruing Total 30-89 Days Greater than Accruing Non- Total (Dollars in thousands) Current Past Due 90 days Loans Accrual Loans September 30, 2024: Commercial and industrial $ 61,508 2 — 61,510 — $ 61,510 Construction and land development 77,956 — — 77,956 — 77,956 Commercial real estate: Owner occupied 61,294 — — 61,294 735 62,029 Hotel/motel 37,913 — — 37,913 — 37,913 Multi-family 43,789 — — 43,789 — 43,789 Other 154,042 — — 154,042 — 154,042 Total commercial real estate 297,038 — — 297,038 735 297,773 Residential real estate: Consumer mortgage 59,225 — — 59,225 40 59,265 Investment property 59,267 50 — 59,317 — 59,317 Total residential real estate 118,492 50 — 118,542 40 118,582 Consumer installment 9,822 56 — 9,878 — 9,878 Total $ 564,816 108 — 564,924 775 $ 565,699 December 31, 2023: Commercial and industrial $ 73,108 266 — 73,374 — $ 73,374 Construction and land development 68,329 — — 68,329 — 68,329 Commercial real estate: Owner occupied 66,000 — — 66,000 783 66,783 Hotel/motel 39,131 — — 39,131 — 39,131 Multi-family 45,841 — — 45,841 — 45,841 Other 135,552 — — 135,552 — 135,552 Total commercial real estate 286,524 — — 286,524 783 287,307 Residential real estate: Consumer mortgage 60,442 — — 60,442 103 60,545 Investment property 56,597 290 — 56,887 25 56,912 Total residential real estate 117,039 290 — 117,329 128 117,457 Consumer installment 10,781 46 — 10,827 — 10,827 Total $ 555,781 602 — 556,383 911 $ 557,294
Financing Receivable Credit Quality Indicators [Table Text Block] | Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) September 30, 2024: Commercial and industrial Pass $ 7,681 8,962 9,107 12,860 5,011 16,779 691 $ 61,091 Special mention — 74 — — — — — 74 Substandard 52 105 180 8 — — — 345 Nonaccrual — — — — — — — — Total commercial and industrial 7,733 9,141 9,287 12,868 5,011 16,779 691 61,510 Current period gross charge-offs — — 9 — — — — 9 Construction and land development Pass 24,407 27,562 16,378 1,430 1,282 105 5,983 77,147 Special mention 340 — — — — — — 340 Substandard 469 — — — — — — 469 Nonaccrual — — — — — — — — Total construction and land development 25,216 27,562 16,378 1,430 1,282 105 5,983 77,956 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 767 12,556 6,618 13,764 9,855 12,928 4,040 60,528 Special mention 515 251 — — — — — 766 Substandard — — — — — — — — Nonaccrual — — — — — 735 — 735 Total owner occupied 1,282 12,807 6,618 13,764 9,855 13,663 4,040 62,029 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 494 8,718 9,547 3,111 1,348 14,695 — 37,913 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 494 8,718 9,547 3,111 1,348 14,695 — 37,913 Current period gross charge-offs — — — — — — — — Year of Origination 2024 2023 2022 2021 2020 Prior to 2020 Revolving Loans Total Loans (Dollars in thousands) September 30, 2024: Multi-family Pass 126 12,087 17,148 1,897 5,914 6,056 561 43,789 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 126 12,087 17,148 1,897 5,914 6,056 561 43,789 Current period gross charge-offs — — — — — — — — Other Pass 36,654 23,388 31,866 30,040 11,507 14,062 5,507 153,024 Special mention 894 — — — — — — 894 Substandard — — — — 124 — — 124 Nonaccrual — — — — — — — — Total other 37,548 23,388 31,866 30,040 11,631 14,062 5,507 154,042 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 3,620 17,511 17,178 2,419 2,589 11,313 3,514 58,144 Special mention — — — — — 488 — 488 Substandard — — — — — 593 — 593 Nonaccrual — — — — — 40 — 40 Total consumer mortgage 3,620 17,511 17,178 2,419 2,589 12,434 3,514 59,265 Current period gross charge-offs — — — — 54 — — 54 Investment property Pass 9,911 11,805 10,989 8,739 11,797 5,128 369 58,738 Special mention — — — 10 — — — 10 Substandard 174 80 94 — 221 — — 569 Nonaccrual — — — — — — — — Total investment property 10,085 11,885 11,083 8,749 12,018 5,128 369 59,317 Current period gross charge-offs — — — — — — — — Consumer installment Pass 4,287 2,765 2,195 330 96 151 22 9,846 Special mention — 9 — 10 — — — 19 Substandard 9 — 4 — — — — 13 Nonaccrual — — — — — — — — Total consumer installment 4,296 2,774 2,199 340 96 151 22 9,878 Current period gross charge-offs — 39 39 1 — 4 — 83 Total loans Pass 87,947 125,354 121,026 74,590 49,399 81,217 20,687 560,220 Special mention 1,749 334 — 20 — 488 — 2,591 Substandard 704 185 278 8 345 593 — 2,113 Nonaccrual — — — — — 775 — 775 Total loans $ 90,400 125,873 121,304 74,618 49,744 83,073 20,687 $ 565,699 Total current period gross charge-offs $ — 39 48 1 54 4 — 146 Year of Origination 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total Loans (Dollars in thousands) December 31, 2023: Commercial and industrial Pass $ 11,571 18,074 13,746 5,602 7,298 7,819 9,003 $ 73,113 Special mention — — — — — — — — Substandard 55 203 — — 3 — — 261 Nonaccrual — — — — — — — — Total commercial and industrial 11,626 18,277 13,746 5,602 7,301 7,819 9,003 73,374 Current period gross charge-offs — — 13 — 151 — — 164 Construction and land development Pass 38,646 25,382 1,716 1,526 120 157 782 68,329 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total construction and land development 38,646 25,382 1,716 1,526 120 157 782 68,329 Current period gross charge-offs — — — — — — — — Commercial real estate: Owner occupied Pass 12,966 7,337 18,548 10,458 3,948 9,786 2,647 65,690 Special mention 260 — — — — — — 260 Substandard — — — — 50 — — 50 Nonaccrual — — — — 783 — — 783 Total owner occupied 13,226 7,337 18,548 10,458 4,781 9,786 2,647 66,783 Current period gross charge-offs — — — — — — — — Hotel/motel Pass 9,025 9,873 3,205 1,493 3,881 11,654 — 39,131 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total hotel/motel 9,025 9,873 3,205 1,493 3,881 11,654 — 39,131 Current period gross charge-offs — — — — — — — — Year of Origination 2023 2022 2021 2020 2019 Prior to 2019 Revolving Loans Total Loans (Dollars in thousands) December 31, 2023: Multi-family Pass 12,379 17,955 1,953 6,112 3,790 3,043 609 45,841 Special mention — — — — — — — — Substandard — — — — — — — — Nonaccrual — — — — — — — — Total multi-family 12,379 17,955 1,953 6,112 3,790 3,043 609 45,841 Current period gross charge-offs — — — — — — — — Other Pass 25,810 36,076 31,687 14,597 10,736 15,440 1,052 135,398 Special mention — — — — — — — — Substandard — — — 154 — — — 154 Nonaccrual — — — — — — — — Total other 25,810 36,076 31,687 14,751 10,736 15,440 1,052 135,552 Current period gross charge-offs — — — — — — — — Residential real estate: Consumer mortgage Pass 20,147 20,177 2,683 2,665 1,281 12,217 249 59,419 Special mention — — — — 190 305 — 495 Substandard — — — — — 528 — 528 Nonaccrual — — — — — 103 — 103 Total consumer mortgage 20,147 20,177 2,683 2,665 1,471 13,153 249 60,545 Current period gross charge-offs — — — — — — — — Investment property Pass 13,398 12,490 9,397 12,209 5,485 1,865 1,478 56,322 Special mention 41 — — — — — — 41 Substandard 43 248 — 233 — — — 524 Nonaccrual — — — — — 25 — 25 Total investment property 13,482 12,738 9,397 12,442 5,485 1,890 1,478 56,912 Current period gross charge-offs — — — — — — — — Consumer installment Pass 5,688 3,837 740 206 106 141 — 10,718 Special mention 9 25 9 2 — — — 45 Substandard 37 11 5 11 — — — 64 Nonaccrual — — — — — — — — Total consumer installment 5,734 3,873 754 219 106 141 — 10,827 Current period gross charge-offs 34 57 13 1 — — — 105 Total loans Pass 149,630 151,201 83,675 54,868 36,645 62,122 15,820 553,961 Special mention 310 25 9 2 190 305 — 841 Substandard 135 462 5 398 53 528 — 1,581 Nonaccrual — — — — 783 128 — 911 Total loans $ 150,075 151,688 83,689 55,268 37,671 63,083 15,820 $ 557,294 Total current period gross charge-offs $ 34 57 26 1 151 — — 269
Schedule Of Composition Of Provision For Credit Losses [Table Text Block]] | Quarter ended September 30, Nine months ended September 30, (Dollars in thousands) 2024 2023 2024 2023 Provision for credit losses: Loans $ (206) $ 158 $ 15 $ (133) Reserve for unfunded commitments 79 (53) 69 (58) Total provision for (reversal of) credit losses $ (127) $ 105 $ 84 $ (191)
Allowance for Credit Losses on Financing Receivables [Table Text Block] | (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: September 30, 2024 Beginning balance $ 1,366 942 4,091 603 140 $ 7,142 Charge-offs — — — (54) (40) (94) Recoveries 25 — — 2 7 34 Net (charge-offs) recoveries 25 — — (52) (33) (60) Provision for (reversal of) credit losses (231) 43 (102) 44 40 (206) Ending balance $ 1,160 985 3,989 595 147 $ 6,876 Nine months ended: September 30, 2024 Beginning balance $ 1,288 960 3,921 546 148 $ 6,863 Charge-offs (9) — — (54) (83) (146) Recoveries 99 — — 7 38 144 Net recoveries (charge-offs) 90 — — (47) (45) (2) Provision for (reversal of) credit losses (218) 25 68 96 44 15 Ending balance $ 1,160 985 3,989 595 147 $ 6,876 (Dollars in thousands) Commercial and industrial Construction and land development Commercial real estate Residential real estate Consumer installment Total Quarter ended: September 30, 2023 Beginning balance $ 1,198 1,005 3,788 529 114 $ 6,634 Charge-offs — — — — (18) (18) Recoveries 1 — — 2 1 4 Net recoveries (charge-offs) 1 — — 2 (17) (14) Provision for (reversal of) credit losses 16 68 15 20 39 158 Ending balance $ 1,215 1,073 3,803 551 136 $ 6,778 Nine months ended: September 30, 2023 Beginning balance $ 747 949 3,109 828 132 $ 5,765 Impact of adopting ASC 326 532 (17) 873 (347) (22) 1,019 Charge-offs — — — — (85) (85) Recoveries 197 — — 12 3 212 Net recoveries (charge-offs) 197 — — 12 (82) 127 Provision for (reversal of) credit losses (261) 141 (179) 58 108 (133) Ending balance $ 1,215 1,073 3,803 551 136 $ 6,778
Schedule Of Financing Receivables NonAccrual Status [Table Text Block] | CECL Nonaccrual loans Nonaccrual loans Total (Dollars in thousands) with no Allowance with an Allowance Nonaccrual Loans September 30, 2024 Commercial real estate $ 735 — 735 Residential real estate — 40 40 Total $ 735 40 775 December 31, 2023 Commercial real estate $ 783 — 783 Residential real estate — 128 128 Total $ 783 128 911
Schedule Of Collateral Dependent Loans Individually Evaluated For ACL [Table Text Block] | (Dollars in thousands) Real Estate Total Loans September 30, 2024: Commercial real estate $ 735 $ 735 Total $ 735 $ 735 December 31, 2023: Commercial real estate $ 783 $ 783 Total $ 783 $ 783

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef -Topic 310 -SubTopic 10 -Name Accounting Standards Codification -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org/1943274/2147481962/310-10-50-29 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org/1943274/2147479319/326-20-50-5 + Details
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